A primary reason to have insurance is to protect you from financial losses in the event of an accident or some type of damage to yourself or your property. Ensuring that you have the proper insurance coverage for your situation is crucial, and depending on the type of damage that occurred, filing an insurance claim…

Distracted driving essentially entails operating an automobile while doing another activity that takes your attention away from the road, such as texting, talking on the phone, eating, putting on makeup, adjusting the radio, etc. and can be extremely dangerous to yourself, your passengers, and other drivers on the road. Distracted driving is a major cause…

Mother nature can be highly unpredictable, and in some cases can cause damages to one of your most valued possessions, your home. Your insurance policy helps ease the stress of storm damages by covering loss or damage costs due to an unforeseen event. If you are located in Willmar, Minnesota, and want to better understand…

Auto insurance helps to protect you from financial loss in the case of an accident or from theft of a vehicle, and essentially with this agreement, an insurance company will agree to pay for any losses that are outlined in your policy in exchange for you paying a premium. There are several factors that impact…

Summer is gearing up, and more and more people are beginning to travel again since the pandemic. Although it is currently the prime time for vacation, it is also a time when theft becomes more prominent. To fully enjoy your trip, you will want to prepare yourself and take the necessary steps to protect your…

It is summertime in Minnesota and time to enjoy the beautiful weather and the water. Boats offer a great sense of adventure and recreation, although owning one does come with a certain amount of risk. If you are a boat owner, it is best to be prepared in case of an accident or unforeseen circumstance.…

Life is constantly changing, often causing people’s insurance needs to be adjusted. Any time that you have made a significant purchase or experienced a life changing event, such as buying a home, a marriage, inheriting money, etc., you will want to check that your insurance is up to date to meet your needs. It is…

Most homeowners understand that homeowners insurance helps to provide protection in the event that your property and possessions are damaged or lost, however, there are certain additional protections for your home that many people are not aware of that are included with their homeowners insurance policy. If you are located in the area of Willmar,…

Accelerated Death Benefit Definition An Accelerated Death Benefit (ADB) allows a life insurance policy owner to receive a portion of their death benefit from their insurance company in advance of their death. In most cases, the policyholder must be terminally ill, usually with a life expectancy of two years or less. They must continue to…

Having a life insurance policy helps protect your partner and children from financial losses in the event that something happens to you. When a policyholder passes away, family members named as beneficiaries will receive payment that is usually not subject to income tax. If you are trying to determine the best type of life insurance…